diff --git a/app/admin/repositories/queries.py b/app/admin/repositories/queries.py
index f041210..488bcf7 100644
--- a/app/admin/repositories/queries.py
+++ b/app/admin/repositories/queries.py
@@ -788,6 +788,7 @@ def get_user_overview(db: Session, user_id: int) -> dict | None:
         "user": user,
         "coin_balance": acc.coin_balance if acc else 0,
         "cash_balance_cents": acc.cash_balance_cents if acc else 0,
+        "invite_cash_balance_cents": acc.invite_cash_balance_cents if acc else 0,
         "total_coin_earned": acc.total_coin_earned if acc else 0,
         "comparison_total": _count(ComparisonRecord, ComparisonRecord.user_id == user_id),
         "comparison_success": _count(
diff --git a/app/admin/routers/users.py b/app/admin/routers/users.py
index 4b98bea..7e4a81b 100644
--- a/app/admin/routers/users.py
+++ b/app/admin/routers/users.py
@@ -210,22 +210,28 @@ def grant_user_cash(
     db: AdminDb,
 ) -> OkResponse:
     """给指定用户增/减或设值现金(分)。delta:正=发放、负=扣减;set:直接设为目标值。
+    account=coin_cash(金币兑现金)/ invite_cash(邀请奖励金):两本账物理隔离、各调各的。
     主要用于让无现金用户直接测试提现。"""
     user = user_repo.get_user_by_id(db, user_id)
     if user is None:
         raise HTTPException(status_code=404, detail="用户不存在")
-    # set=设为目标值:读当前余额算差值,仍复用 grant_cash 写一笔流水(沿用原子/审计/扣负保护)
+    # 按目标账户选「余额字段 + 变动入口」(grant_invite_cash 与 grant_cash 同构)
+    is_invite = body.account == "invite_cash"
+    balance_attr = "invite_cash_balance_cents" if is_invite else "cash_balance_cents"
+    grant_fn = wallet_repo.grant_invite_cash if is_invite else wallet_repo.grant_cash
+    acct_label = "邀请奖励金" if is_invite else "现金"
+    before: int | None = None
+    # set=设为目标值:读当前余额算差值,仍复用 grant 写一笔流水(沿用原子/审计/扣负保护)
     if body.mode == "set":
         if body.amount_cents < 0:
-            raise HTTPException(status_code=400, detail="目标现金值不能为负")
+            raise HTTPException(status_code=400, detail=f"目标{acct_label}值不能为负")
         # lock=True:锁账户行,防连点/并发各读同一 before 算同一 delta 双写,余额错位
-        before = wallet_repo.get_or_create_account(
-            db, user_id, commit=False, lock=True
-        ).cash_balance_cents
+        acc_locked = wallet_repo.get_or_create_account(db, user_id, commit=False, lock=True)
+        before = getattr(acc_locked, balance_attr)
         delta = body.amount_cents - before
         if delta == 0:
             raise HTTPException(
-                status_code=400, detail=f"当前现金已为 {body.amount_cents} 分,无需调整"
+                status_code=400, detail=f"当前{acct_label}已为 {body.amount_cents} 分,无需调整"
             )
     else:
         if body.amount_cents == 0:
@@ -234,18 +240,20 @@ def grant_user_cash(
         # 负数扣减时不允许扣成负余额(运营误操作保护);lock=True 防并发扣穿
         if delta < 0:
             acc_now = wallet_repo.get_or_create_account(db, user_id, commit=False, lock=True)
-            if acc_now.cash_balance_cents + delta < 0:
+            if getattr(acc_now, balance_attr) + delta < 0:
                 raise HTTPException(
-                    status_code=400, detail=f"扣减后现金为负(当前余额 {acc_now.cash_balance_cents} 分)"
+                    status_code=400,
+                    detail=f"扣减后{acct_label}为负(当前余额 {getattr(acc_now, balance_attr)} 分)",
                 )
     biz_type = "admin_grant" if delta > 0 else "admin_deduct"
-    # grant_cash 只 flush 不 commit;审计同 commit=False;最后一起 commit → 原子(改钱+留痕)
-    acc, _ = wallet_repo.grant_cash(
+    # grant 只 flush 不 commit;审计同 commit=False;最后一起 commit → 原子(改钱+留痕)
+    acc, _ = grant_fn(
         db, user_id, delta, biz_type=biz_type, remark=f"admin:{body.reason}"[:128],
     )
     detail = {
+        "account": body.account,
         "amount_cents": delta,
-        "balance_after_cents": acc.cash_balance_cents,
+        "balance_after_cents": getattr(acc, balance_attr),
         "reason": body.reason,
     }
     if body.mode == "set":
diff --git a/app/admin/schemas/user.py b/app/admin/schemas/user.py
index fad0a62..8e7020e 100644
--- a/app/admin/schemas/user.py
+++ b/app/admin/schemas/user.py
@@ -29,6 +29,7 @@ class AdminUserOverview(BaseModel):
     user: AdminUserListItem
     coin_balance: int
     cash_balance_cents: int
+    invite_cash_balance_cents: int  # 邀请奖励金余额(与 cash_balance_cents 物理隔离)
     total_coin_earned: int
     comparison_total: int
     comparison_success: int
@@ -88,6 +89,11 @@ class GrantCoinsRequest(BaseModel):
 
 
 class GrantCashRequest(BaseModel):
+    # 目标账户:金币兑换的现金(cash_balance_cents)与邀请奖励金(invite_cash_balance_cents)物理隔离,
+    # 各调各的、不可串。默认 coin_cash 兼容旧调用。
+    account: Literal["coin_cash", "invite_cash"] = Field(
+        "coin_cash", description="目标账户:coin_cash=金币兑现金账户 / invite_cash=邀请奖励金账户"
+    )
     mode: Literal["delta", "set"] = Field(
         "delta", description="delta=增减(amount_cents 为变动量) / set=设为(amount_cents 为目标值,须≥0)"
     )